Which insurance category does waterlogged motor vehicles belong to?

[LaMorgan]

Waterlogged motor vehicles fall under the category of water damage insurance, commonly referred to as water submersion coverage. Relevant information about water damage insurance is as follows: 1. Water Damage Insurance: Officially known as Vehicle Water Submersion Loss Insurance, it is specifically designed to compensate for engine damage caused by waterlogging. 2. Additional Coverage: Water damage insurance is a newly derived auto insurance type, primarily serving as an add-on coverage purchased by vehicle owners for engine protection. Extended Information: Details about water-damaged vehicles are as follows: 1. Water-damaged vehicles refer to those that have been submerged in water, typically involving engines and transmissions soaked in water, with immersion depth exceeding wheel level and prolonged contact with water affecting underbody components. Such vehicles pose significant risks, as electrical systems are prone to short circuits and potential fires. 2. Hidden Dangers: While water-damaged vehicles can be repaired to some extent, they still carry serious latent defects even after restoration, with failure probability increasing proportionally to immersion duration.